10 habits of Americans who are doing well with money

“One thing is to set a goal, and another is to achieve it. Helps in this reminder of the goal. I installed a reminder in my smartphone that I need to transfer 20 dollars to a savings account on payday. If you do this with your spouse, you will be able to accumulate decently by the end of the year, ”- Tiffany Kitty Irene, 29 years, creative director, Atlanta.

2. Wait for 24 hours before purchase

“In our house, if you really want to buy something, then the rule of waiting for 24 hours works. If after a day of waiting, you still want to buy a thing, then we do it. But more often the next day we wake up with the joyful thought that we did not buy a thing.

This helped my family save a lot of money. For example, once we were sitting on the beach, and a woman came up to us. She invited to the 90-minute presentation in exchange for two nights in the hotel and a card for 75 dollars. In the end, we were persistently offered to buy a timeshare. Fortunately, the 24 hours rule worked for us, so we didn’t buy anything. ”- Yudi Crockett, 55 years, retail management consultant, Michigan.

3. Call the bank with a request to reduce the loan rate

“I pay everything with my credit cards, but I do it wisely. If I go beyond the grace period, I pay interest. I try to call the bank support service every 60 – 90 days with a request to reduce the loan rate. If I had no delays, then it usually works. I also ask you to increase the credit limit so that the debt is less than a third of the possible amount. This raises my credit rating, ”- Dinesh Guba, 39 years, entrepreneur, California.

4. Do not delay with tax return

5. Repair, not buy new

6. Leave a certain amount of cash for purchases

“Regardless of whether my salary was 20 000 or 100 000 dollars, I always left me a certain amount I could spend. Only in this way can I save more due to the fact that cash in the wallet is limited. The same is done by my daughters, who are 7 and 9 years old. Each of them gets 7 dollars for home cleaning. This income helps them learn more about money - how they are earned, accumulated and spent, ”- Tara Goodfellow, 38 years, company owner, North Carolina.

7. Have multiple bank accounts

“When I look at one of the bank accounts, I often refuse to buy. The fact is that my savings are distributed on several accounts. In aggregate, there may be enough money for a large purchase, but I see only a part. This self-deception allows you to save. ”- Carrie Aulenbacher, 36 for years, Social Network Coordinator, Pennsylvania.

8. Save money

“I used to look after the children of neighbors. My income was low, but I saved each dollar I saved to the bank. At some point, I have accumulated 400 dollars! I liked the accumulation process. Now I continue to throw dollar coins into the bank. It takes patience, but recently I saved up 300 dollars again, ”- Lisa Zakagnini, 49 years, Life Coach, Connecticut.

9. Track expenses

“You know what allows me to control finances? Track your expenses. I use a special smartphone app. It allows you to enter a monthly income and see the flow of money. If I did not watch the money, then I would have the desire to eat more, drink coffee, spend on purchases on the Internet, ”- Erin Conrad, 28, content developer, Los Angeles.

10. Find time to clean